Age of Developer: Yes
I agree this is the age of the developer. Just as there used to be apps to help you build your own web site, there are apps to help you build your own database.
However, most of the folks who did their own web sites quickly realized that if they want to look good, they need someone familiar with web design concepts (not just print design concepts).
Same with anyone who's tried to build a complete dbs system using MS Access. Simple apps are easy but almost useless. Useful dbs and apps, like useful designs, require expertise and thought--analysis.
And you cannot outsource the all-in-one developer because now you're doing it Agilely, talking to the business owner and giving him revisions regularly and mocking up forms to demonstrate why your questions are critical. You can only outsource development if you can hand a set of requirements to a developer but that is a waste of time nowadays when it takes longer to write requirements down (and analyze to discover what won't work) than it does to just build the app and test it.
